![Capital One, National Association logo](https://cdn.brandfetch.io/capitalone.com/w/128/h/128/fallback/lettermark?c=<img src="https://cdn.brandfetch.io/domain/apple.com?c=1idsvcTjLv919Ax0E2s" alt="Logo by Brandfetch" />){kind=small}
SBA 7(a) franchise lending portfolio
Capital One, National Association
CRITICAL risk
- Total loans
- 348
- Loan volume
- $160.0M
- Avg loan size
- $460K
- Default rate
- 20.0%
- vs 15.4% national avg
Defaults
56
Avg interest
5.71%
Franchises funded
195
Risk rating
CRITICAL
Top franchise exposures
| Franchise | Loans | Volume | Default % |
|---|---|---|---|
| Subway Sandwich Shop | 24 | $2.2M | 8.3% |
| The Goddard School | 19 | $47.3M | 0.0% |
| Mail Boxes Etc. Usa | 7 | $545K | 28.6% |
| Bahama Buck's Original Shaved | 7 | $6.8M | — |
| Dairy Queen | 5 | $522K | 40.0% |
| Sylvan Learning Center | 5 | $310K | 40.0% |
| Domino's Pizza | 5 | $1.3M | 40.0% |
| Liberty Tax Service | 5 | $994K | 20.0% |
| Smoothie King (health Food Sto | 4 | $821K | 0.0% |
| All Tune And Lube | 4 | $406K | 0.0% |
| Tropical Smoothie Cafe | 4 | $1.6M | 0.0% |
| Kiddie Academy | 4 | $10.7M | 0.0% |
| Hand and Stone Massage and Fac | 4 | $3.7M | — |
| Baskin-Robbins 31 Ice Cream | 3 | $276K | 66.7% |
| Cici's Pizza | 3 | $550K | 33.3% |
| Maggiemoo's (ice Cream) | 3 | $215K | 66.7% |
| Post Net | 3 | $145K | 33.3% |
| Matco Tools (rent Tools) | 3 | $110K | 0.0% |
| Big O Tires | 3 | $110K | 0.0% |
| Merle Norman Cosmetics | 3 | $110K | 0.0% |
Lending volume by year
1'92
5
7
8
8
9'97
2
12
2
3
4'02
12
42
65
8
7'07
5
7
15
20
9'16
14
19
19
11
1'21
3
7
5
15
3'26
Capital One, National Association default rate by loan vintage
BrandNational avg
Shaded area: recent vintages with few resolved loans; rates may change as loans mature.
Geographic exposure
7213.3%
7016.9%
3217.4%
2411.8%
1626.7%
1420.0%
1112.5%
1033.3%
933.3%
80.0%
Portfolio summary
Total funded$160.0M
Defaults56 of 348
Risk tierCRITICAL
Avg rate5.71%
Source: SBA 7(a) FOIA loan-level data, aggregated by FranchiseVerdict
Default rate = charge-offs / (charge-offs + paid-in-full). Active, exempt, and cancelled loans are excluded. Risk ratings: Excellent (<5%), Good (5-10%), Average (10-15%), Elevated (15-20%), Critical (>20%).